Terms of Use
Version 2026-01-v1
This document is a working draft prepared for review by the agency’s licensed principal and legal counsel before production launch.
Informational purpose
This site provides general educational information about life-insurance products. Nothing on this site is an offer to sell, a solicitation in a state where the applicable producer is not licensed, or individualized insurance, tax, legal or investment advice.
No guarantee of coverage
Submitting the review request form is not an application for insurance and does not guarantee eligibility, pricing, approval or coverage. Any policy is subject to carrier underwriting, product availability and state approval.
Acceptable use
You agree to provide accurate information about yourself, to submit the form only on your own behalf and not to attempt to disrupt, probe or overload the site.
Product disclosures
True Cover provides general information about life-insurance products through properly licensed insurance professionals. Insurance products are offered only in jurisdictions where the applicable producer is properly licensed. Availability, policy features, underwriting requirements, premiums and riders vary by carrier and state.
Indexed universal life insurance is a form of permanent life insurance. The policy does not directly invest in a stock-market index. Index-linked interest credits may be subject to caps, participation rates, spreads, floors and other contractual limitations. Policy charges continue to apply and can reduce policy value.
Illustrated values may include both guaranteed and non-guaranteed elements. Non-guaranteed values are not promises of future performance. Policy loans and withdrawals reduce available cash value and death benefits, may require additional premiums and may increase the risk of lapse. A policy lapse or surrender involving gain or outstanding loans may create tax consequences.
Tax treatment depends on individual circumstances, policy structure, policy status and applicable law, which may change. True Cover and its insurance professionals do not provide tax or legal advice. Consult a qualified tax or legal professional regarding your circumstances.
Submitting a website form is not an application for insurance and does not guarantee eligibility, pricing, approval or coverage. True Cover is not affiliated with or endorsed by any hospital, healthcare employer, medical school, government agency or professional association unless expressly stated.